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Cruz Mercedes
Cruz Mercedes is 22 years old. She is single and lives with her parents in Ventanas canton, in Los Ríos province. She has a one year-old child.

The 'El Progreso' community bank is located in Aguas Frías de Mocache, in Mocache province. The members of this bank work in short-cycle agriculture, growing corn and rice.

Cruz Mercedes is a farmer who grows corn, rice and small quantities of cacao. She buys her products in Comercial Peña and makes her sales in the wholesale market in Ventanas.

Cruz Mercedes is requesting this loan to grow corn and rice. She will buy supplies and fertilizers, and will invest in her cacao crop. The support of this loan will help her to financially cover her needs. She faces challenges in her business such as a lack of money to invest. Her dream is to help her family financially and to finish her university studies.

Cruz Mercedes enjoys exercising, swimming and dancing.
View original language description ↓
Cruz Mercedes tiene 22 años, Es soltera vive con los padres, en el Cantón Ventanas Provincia de los Ríos. Tiene 1 hijo de un año.

Los miembros de la V.R.C. EL PROGRESO, se encuentra ubicada en el Recinto Aguas Frías de Mocache, perteneciente al Cantón Mocache, esta ventanilla se dedica a laborea de ciclo corto siembra de maíz y arroz

Cruz Mercedes se dedica a la agricultura a la siembra de maíz, arroz y en pocas cantidades cacao . Compra sus productos en Comercial Peña y los vende en el mercado mayorista de Ventanas.

Solicita el crédito para sembrar maíz y arroz, compra de insumos y fertilizantes y para invertir en siembra de cacao. Con el apoyo del crédito le ayudaría económicamente para suplir sus necesidades. Enfrenta desafios como la falta de dinero para seguir invirtiendo. Su sueño es ayudar a la familia economicamente y terminar la carrera universitaria.

Le gusta hacer ejercicio, nadar y bailar.

Additional Information

About Cooperativa San Jose

This loan is administered by Cooperativa San Jose, a 45,000-member credit union located high in the Andes Mountains of Ecuador’s poorest province, Bolivar. They offer a unique loan called “Ventanillas Rurales” [Window to the Countryside], which uses a group guarantee but is an individual loan with a savings component, mostly to rural borrowers. Due to low savings rates and a history of macroeconomic instability, many traditional loans in Ecuador demand interest rates that are prohibitively high for some borrowers. There is also a high incidence of extortionist black-market lending in Ecuador. CSJ helps mitigate these problems by providing a less onerous and more appropriate option. Join CSJ’s Lending Team!

About Ecuador

  • $10,600
    Average annual income
  • 70
    View loans »
    Ecuador Loans Fundraising
  • $25,584,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Cruz Mercedes to buy supplies and fertilizers and to invest in her cacao crops.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jun 30, 2011
Jul 15, 2011
Currency Exchange Loss:
Jan 15, 2012